Income Cover for Sickness
Overview, product details

Our Income Cover for Sickness pays out a monthly income if your clients are either unable to work because of an illness or injury or are unable to carry out a number of work-related tasks. Payments continue until the first of the following happens:

• the person covered recovers and is able to return to work
• the person covered no longer meets the definition of incapacity
• the cover ends
• the cover payment period ends
• the person covered dies.

We automatically include Payment Cover for Sickness with Income Cover for Sickness.

Key features:

• Choice of payment periods - 1 and 2 years and whole of term
• Only 1 standard exclusion
• Covers up to 50% of pre-tax earnings
• Instant cover
• Helping Hand

Designed to look after your client and their family, personally

Our unique Helping Hand service provides much needed support to help your client and their family cope with the devastating effects that critical illness and death can have. It also gives you the opportunity to offer a unique value-added service.

Exclusions

We won't pay a claim if:

• it’s the result of intentional self-inflicted injury
• it’s the result of an excluded cause shown on the cover summary
• the person covered doesn’t meet the definition of incapacitated in section D of the plan details, or
• if any medical or other evidence is not supplied when we ask for it

Increasing cover can be:

• a fixed rate between 2% and 5%. There's an extra cost for this option
• a rate based on the change in retail price index (between 2% and 10%). There's an extra cost for this option.

Bright Grey offers 2 definitions of incapacity under Income Cover for Sickness:

• Own occupation and
• Working tasks

You can find full definitions of these in section D of our plan details booklet.

Still got a question? Read the product FAQs